Pt Bank Neo Commerce Tbk · IDX:BBYB
Pt Bank Neo Commerce Tbk — Q1 2026 Earnings Presentation
21 slides from Pt Bank Neo Commerce Tbk's earnings presentation, May 7, 2026
Slide 1: Investor Presentation 1Q2026
Investor Presentation 1Q2026 7 May 2026
Slide 2: Disclaimer
Disclaimer This following presentation has been prepared by PT Bank Neo Commerce, Tbk. (the “Company” or “BNC” ) solely for selected recipients for information purposes only and does not constitute a recommendation regarding any securities of the Company. Information contained in this document is be
Slide 3: Management of BNC
Management of BNC Inkawan D. Jusi Kreisna D. Gozali Pramoda Dei Sudarmo Independent President Commissioner Commissioner Independent Commissioner Eri Budiono Adrian Soewardjo* Indra Aditya Sanjaya* President Director Operations & IT Director Risk Director *) Subject to OJK fit and proper test 2
Slide 4: Financial Snapshot – Balance Sheet
Financial Snapshot – Balance Sheet Equity growth supported by strong performance of the Bank in IDR'tn 1Q25 2Q25 3Q25 4Q25 1Q26 QoQ YoY Cash & Short Term Money Market 2.9 1.6 2.3 3.1 3.6 16.7% 23.4% Marketable Securities a 5.6 7.7 8.0 8.2 7.2 (12.4%) 28.4% Loans 8.5 8.1 7.5 7.2 7.0 (2.1%) (17.2%) To
Slide 5: Financial Snapshot – Profit & Loss
Financial Snapshot – Profit & Loss Strong profitability in 1Q26 as a result of better asset quality in IDR'bn 4Q25 1Q26 QoQ YTD Mar 25 YTD Mar 26 YoY Interest Income 768 739 (3.8%) 810 739 (8.8%) Interest Expense (202) (192) (4.9%) (193) (192) (0.9%) Net Interest Income 567 547 (3.4%) 617 547 (11.3%
Slide 6: Financial Snapshot – Financial Ratios
Financial Snapshot – Financial Ratios Strengthening capital and rentability ratios with sustained efficiency. Key Ratios (YTD) Mar'25 Jun'25 Sep'25 Dec'25 Mar'26 QoQ YoY NIM 15.8% 15.2% 14.8% 14.4% 13.5% -0.9% -2.3% BOPO 82.6% 84.8% 82.8% 84.2% 83.7% -0.5% 1.1% CIR 29.1% 29.9% 31.6% 31.3% 32.9% 1.6%
Slide 7: Loan Performance
Loan Performance Key focus remains targeting Consumer Loans through Channeling with partners and drive Neoloan growth. YoY (17.2%) % YTD Mar'25 YTD Mar'26 YoY Total Loan 8.5 Yield 33.0% 34.6% 1.6% 8.1 (in IDR’tn) 7.5 Consumer (AL) 61.6% 64.0% 2.4% 7.2 7.0 Corporate, 2.5 Consumer (NON AL) 17.6% 24.8%
Slide 8: Asset Quality
Asset Quality Resilient asset quality with prudent growth. Transitory NPL increment in 4Q25 Continuous risk strategy review NPL Coverage maintained >200% NPL Gross LAR 3.6% 13.1% 13.4% 3.2% 3.1% 3.1% 11.4% 10.8% 11.5% 2.9% NPL Coverage CoC (YTD annualized) 237.4% 224.6% 210.8% 221.9% 15.4% 16.3% 15.
Slide 9: Asset Quality – by Segment
Asset Quality – by Segment Asset quality remains robust. LAR increased mainly due to one-off downgrade of a Risk remains well-controlled and within risk appetite commercial banking client – fully provided LAR 1Q25 2Q25 3Q25 4Q25 1Q26 NPL 1Q25 2Q25 3Q25 4Q25 1Q26 Total LAR - IDR Bn 971 877 861 941 94
Slide 10: Funding Performance
Funding Performance Ample liquidity with drive towards CASA Ample liquidity with room to boost loan growth and improve Total Third Party Fund* YoY CASA Ratio (in IDR’tn) (1.9%) LDR 13.7 13.7 14.1 13.4 13.5 62.0% 60.6% 55.0% 51.2% 52.4% Time 9.6 9.4 9.8 9.9 9.4 CASA Ratio Deposits 30.2% 30.1% 29.7% 3
Slide 11: Net Interest Income
Net Interest Income Lower Net Interest Income as a result of slower loan growth and excess liquidity NIM YoY QoQ YoY Loan 33.0% 33.4% 34.3% 34.6% 15.8% 31.7% 13.5% Yield +34bp +162bp -234bp NII (IDR’bn) 5.93% CoF 5.83% 5.85% 5.79% 617 5.64% -15bp -29bp 548 -11% Treasury & Loan Balance (in IDR’tn) 7.
Slide 12: Non-Interest Income
Non-Interest Income The focus on wealth management and transactional capabilities comes to deliver results QoQ YoY 16.9% 16.7% 18.7% 17.8% 17.7% Non-Interest YoY Non-Interest -12bp +84bp Income (in IDR’bn) Income/NII 1Q25 2Q25 3Q25 4Q25 1Q26 104 97 -6% Funding & Digital Services (in IDR’bn) 29 54 27
Slide 13: Operational Costs
Operational Costs Operating with better efficiency and cost conscious QoQ YoY Operational Costs YoY (in IDR’bn) 31.6% 31.3% 32.9% 29.1% 29.9% +160bp +383bp CIR 210 212 +1% 10 14 Total Operational Costs (in IDR’bn) 239 92 210 212 11 205 212 +7bn +2bn 90 Marketing 10 15 14 83 21 Personnel 92 90 90 90
Slide 14: Capital & Liquidity Positions
Capital & Liquidity Positions Capacity for growth with sound Capital and Liquidity conditions Sound Capital Position Comfortable HQLA position Aiming to optimize LDR at 70-75% Deposits Liquid Assets Tier 1 Capital Marketable Securities Loan Reserve Requirement LDR RIM 0.7% 50.6% 13.5 49.1% 0.8% In I
Slide 15: BNC Core Proposition
BNC Core Proposition Digital Account Neo WOW Regular Savings Neo Green Neo Wish NOW Savings Time Deposits Neo Business Mutual Wealth Lending Neo Loan BNPL* Bancassurance Gold Loan* Funds Management Corporate Banking Business Accounts Payroll Bills & Top Up Cash Management Payment Collection Bills &
Slide 16: Wealth Management
Wealth Management Growing Assets, Securing Futures Proposition Performance Roadmap Diverse Investment Choices Rapid Growth Broader Portfolio Mutual Fund AUM 405 Now Neo Savings 374 Green Cryptocurrency* Mutual WOW time Funds 116 Deposit 2024 2025 YTD Mar 2026 in (IDR ‘bn) Gold Digital Stocks** Neo W
Slide 17: BNC QRIS
BNC QRIS Accelerating Payments, Enabling Regional Expansion Proposition Performance Roadmap Faster Settlement Proven Growth Regional Expansion 307 CHINA JAPAN 108 THAILAND 63 MALAYSIA Transactions settle SINGAPORE TIMES 3 Already live 2024 2025 YTD Mar 2026 INDONESIA Upcoming QRIS # of transactions
Slide 18: Neo Loan
Neo Loan Unlocking Credit, Powering Growth Proposition Performance Roadmap Instant Access Strong Growth Diversified Products Neo Loan 685 648 312 1,858 947 662 2024 2025 YTD Mar 2026 Loan Disbursement (IDR ‘bn) Loan Balance (IDR ‘bn) Fast loan approval in ~10 minutes, Loan disbursement and balances
Slide 19: Partnership
Partnership Various partnership through multiple services Merchant Payment Partner Channelling Fintech Partner 19
Slide 20: Strategic direction for 2026
Strategic direction for 2026 1 Optimize loan growth through new products and new partners while maintaining quality of portfolio. 2 Drive transactional and wealth management business to improve stickiness. 3 Developing AI financial assistance features for our clients to better manage cashflow and fi
Slide 21: Let’s Collaborate and Grow Together!
Let’s Collaborate and Grow Together!